Public & Products Liability Insurance
Accidents happen. Public and products liability insurance can help protect your business when its activities or products cause personal injury or property damage to others.
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1200+
Businesses covered
250+
Referral partners
98%
Retention rate
What Is Public & Products Liability Insurance?
Public and products liability insurance is designed to protect your business against certain claims from third parties for personal injury or property damage.
Public liability generally relates to claims arising from your business activities, while products liability relates to products you sell, supply, manufacture or distribute. The two covers are commonly arranged together under a combined liability policy.
Every business presents a different liability risk. Surety Risk Solutions takes the time to understand what you do, where you work, the products you supply and who you interact with before helping you arrange cover suited to your circumstances.
Protection Against Third-Party Claims
Protection When Your Business Is Held Responsible
Liability claims can arise in many different ways. Understanding how your business operates helps us identify the exposures that should be considered when arranging your insurance.
Third Party Personal Injury
Protection against certain claims where another person suffers an injury arising from your business activities and your business is alleged to be legally liable.
Third Party Property Damage
Cover for certain claims involving accidental damage to property belonging to another person or business arising from your business activities.
Products Liability
Protection against certain claims for personal injury or property damage caused by products your business sells, supplies, manufactures or distributes.
Legal Defence Costs
Liability policies can provide cover for certain legal costs associated with investigating and defending insured claims, subject to the terms and conditions of the policy.
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Liability Insurance for Businesses of All Kinds
From businesses working at customer premises to those selling products, liability exposures can exist in almost every industry. The right cover depends on what you do and the potential consequences when something goes wrong.
Trades & Contractors
For tradespeople and contractors working at customer premises, construction sites or other locations where their activities could cause injury or property damage.
Retailers & Wholesalers
For businesses selling, supplying or distributing products to customers, other businesses or through online and physical retail channels.
Hospitality & Service Businesses
For cafes, restaurants and service businesses interacting with customers, suppliers and members of the public as part of their everyday operations.
Manufacturers & Product Businesses
For businesses that manufacture, import, alter, package or distribute products and may have exposure to claims arising from those products.
Let's Start the Conversation.
Whether you're a business looking for commercial insurance or an adviser looking to broaden what you offer, the first step is the same. Tell us a little about the situation and we'll put you with the right specialist.
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A Clearer Way to Arrange Liability Insurance
Liability insurance isn't just about selecting a limit. We take the time to understand how your business operates so we can approach the market with a clear picture of the risk.
01. Understand Your Business
We start with a conversation about what your business does, where you operate, who your customers are and the products or services you provide.
02. Identify Your Liability Exposures
We consider your activities, contracts, use of subcontractors, products, locations and other factors that can influence your liability risk.
03. Approach the Insurance Market
Surety Risk Solutions approaches suitable insurers and underwriting agencies and considers the available terms, limits, conditions and exclusions.
04. Explain Your Options
We explain the available options in plain English so you can understand the cover being offered and make an informed decision.
Why Surety Risk Solutions?
Insurance should reflect what your business actually does. Our role is to understand your business, help identify the risks that matter and provide advice about the insurance options available to you.
We Take the Time to Understand
Liability risks vary enormously between businesses. We ask questions about your activities, customers, products, contracts and where you work before approaching the market.
Access to Insurance Markets
We work with insurers and underwriting agencies to identify suitable options for your business rather than assuming one solution will suit everyone.
Advice in Plain English
Insurance policies can be complicated. We explain important terms, conditions, exclusions and limits so you can better understand the cover you are considering.
Support Beyond Placement
Our relationship doesn't end when your insurance is arranged. We remain available throughout the policy period, at renewal and when you need assistance with a claim.
Your Questions, Answered
Understanding your insurance options can feel complex. Explore answers to some frequently asked questions about cover, costs and what to expect when arranging insurance with Surety Risk Solutions.
What is public liability insurance?
Public liability insurance is designed to protect your business against certain claims from third parties for personal injury or property damage arising from your business activities. It can also provide cover for legal defence costs, subject to the terms and conditions of the policy.
What is products liability insurance?
Products liability insurance can cover certain claims for personal injury or property damage caused by products your business sells, supplies, manufactures or distributes. The definition of a product can be broader than many businesses realise, which makes understanding your activities important.
What is the difference between public liability and products liability insurance?
Public liability generally relates to claims arising from your business activities, while products liability relates to claims arising from products you sell, supply or manufacture. They are commonly insured together under a combined public and products liability policy.
How much public liability insurance do I need?
Common liability limits include $5 million, $10 million and $20 million, but the appropriate amount depends on your business and contractual requirements. The potential severity of a claim, where you work and who you contract with should all be considered.
Does public liability insurance cover subcontractors?
This depends on the policy and the circumstances. Some policies may provide certain protection in connection with subcontracted work, but subcontractors will often need to maintain their own insurance. It's important to tell your broker if you use subcontractors and what work they perform.
Does public liability insurance cover faulty workmanship?
Public liability insurance isn't generally intended to pay the cost of simply correcting defective workmanship. However, resulting personal injury or damage to other property may be considered depending on the circumstances and policy wording. This distinction can be very important when arranging cover for trades and contracting businesses.
Still have questions?
Every situation is different, and you may need guidance specific to your circumstances. Speak with Surety Risk Solutions for clear, practical answers and help exploring suitable insurance options.
Let's Start the Conversation.
Whether you're a business looking for commercial insurance or an adviser looking to broaden what you offer, the first step is the same. Tell us a little about the situation and we'll put you with the right specialist.